Comparing car insurance companies in Hinesville, GA can be challenging because finding the best Georgia car insurance agent is more difficult than just picking up the phone. Consumers need a professional agent, but also the best possible rates.
Companies like State Farm, Allstate, Geico and Progressive promote their brand names with catchy ads and consumers find it hard to ignore the flashy ads and find the best price available.
Shop online but buy locally
Insurance agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is you can get the best rates and still have an agent to talk to.
Once you complete this form (opens in new window), the quote information is sent to local insurance agents who will compete for your business. You never need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?!
Picking an insurance agent should depend on more than just the premium amount. Agents should be asked these questions:
- If they are an independent agency, which companies do they recommend?
- Do they specialize in personal lines coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- What insurance company do they write the most business with?
- How often do they review policy coverages?
- Do they receive special compensation for putting your coverage with one company over another?
Types of insurance agents
When finding a good insurance agency, there are two types of insurance agents from which to choose. Insurance agencies in Hinesville are categorized either independent (non-captive) or captive. Both types can write coverage properly, but it’s worth learning the difference between them because it can impact the type of agent you choose
Captive Insurance Agents
Captive insurance agents are contracted to one company such as State Farm or Allstate. They are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies receive extensive training on their products and sales techniques which can be an advantage. Some consumers prefer to buy from captive agents primarily because of the brand legacy and solid financial strength.
Below is a list of captive insurance agents in Hinesville that are able to give comparison quotes.
- Allstate Insurance – 556 W Oglethorpe Hwy – Hinesville, GA 31313 – (912) 368-0432
- Farm Bureau Insurance – 562 Elma G Miles Pkwy – Hinesville, GA 31313 – (912) 368-3370
- State Farm Insurance – 119 Ryon Ave – Hinesville, GA 31313 – (912) 876-2159
Independent Insurance Agents
These agents are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, it’s a good idea to include at least one independent agent to ensure the widest selection of prices.Most can insure with smaller regional carriers which can save you money.
Below are Hinesville independent agencies willing to provide rate quotes.
- Dolly’s Insurance – 319 W General Screven Way # G – Hinesville, GA 31313 – (912) 368-5255
- Government Employees Insurance – Highway 84 E – Hinesville, GA 31313 – (912) 876-3340
To view a complete directory of Hinesville insurance agents, please go to this site.
Once you have received reasonable responses to your questions and an affordable coverage quote, you have narrowed it down to an insurance agent that can adequately provide car insurance.
But what about buying coverage online?
Auto insurance agents are important to many people, but Georgia consumers also have the option to buy direct from companies online. Some companies who sell through the agent channel also permit you to buy online, and that is helpful if you are the do-it-yourself type.
If you’re apprehensive about not getting proper coverage when shopping online, don’t be too concerned. All companies that allow you to purchase coverage all have toll-free customer service for getting the best coverage. They also have online help and live chat to help with the buying process.
Can you find lower rates online? That question is hard to answer due to the large number of individual components that impact your rate calculation. It would make sense to think that going direct cuts out the middleman. In many cases, getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.
More resources for learning
More detailed Georgia car insurance information is located at the Georgia Insurance and Safety Fire Commissioner website. Consumers can view agent and company licensing information, find disaster information, and report car insurance fraud.
The following information may also be useful.
More comparisons equals lower rates
As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage and learned later that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate.
Affordable car insurance is definitely available on the web in addition to many Hinesville insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
